Cheapest Car Insurance In Waterbury, CT 2025
Drivers in Waterbury can get the cheapest basic car insurance from State Farm, with monthly rates around $67.
We’ve saved shoppers an average of $600 per year on their car insurance.
Searching for cheap auto insurance in Waterbury, CT, reveals that prices can differ a lot.
If you’re just looking for basic liability coverage, State Farm is typically the cheapest option. State Farm comes out ahead for full coverage, and USAA has the best deals for younger drivers.
Cheapest Car Insurance Companies In Waterbury, CT 2025
Cheapest Liability-only Car Insurance In Waterbury: State Farm
State Farm provides the most affordable minimum coverage auto insurance in Waterbury, with an average cost of $67 per month.
The following table lets you compare prices from various car insurance companies.
| Provider | Average Monthly Cost | Average Annual Cost |
| State Farm | $67 | $804 |
| Travelers | $131 | $1,572 |
| USAA | $90 | $1,080 |
| Progressive | $124 | $1,488 |
| GEICO | $81 | $972 |
Cheapest Full Coverage Insurance Rates In Waterbury: State Farm
State Farm is the most affordable option for full coverage auto insurance in Waterbury, averaging $106 per month.
Below is a comparison of typical auto insurance prices from affordable companies in Waterbury.
| Provider | Average Monthly Cost | Average Annual Cost |
| State Farm | $106 | $1,272 |
| GEICO | $131 | $1,572 |
| Progressive | $198 | $2,376 |
| USAA | $145 | $1,740 |
| Allstate | $243 | $2,916 |
Cheapest Car Insurance Rates For Seniors: USAA
Seniors in Waterbury can get the cheapest car insurance through USAA, with an average monthly cost of $93.
Below is a table comparing average rates from the cheapest auto insurance providers for seniors.
| Provider | Average Monthly Cost | Average Annual Cost |
| USAA | $93 | $1,116 |
| Travelers | $118 | $1,416 |
| Nationwide | $138 | $1,656 |
| State Farm | $116 | $1,392 |
| Liberty Mutual | $115 | $1,380 |
Cheapest Rates In Waterbury For Teenagers: USAA
Teen drivers in Waterbury can get the most affordable insurance through USAA, with average monthly costs of $160.
Below is a table showing which insurers have the cheapest rates for teens.
| Provider | Average Monthly Cost | Average Annual Cost |
| USAA | $160 | $1,920 |
| Utica National Ins Group | $161 | $1,932 |
| Liberty Mutual | $219 | $2,628 |
| Elecrtic | $220 | $2,640 |
| State Farm | $198 | $2,376 |
Cheapest Auto Insurance For Young Adults in Waterbury: USAA
USAA provides the most affordable car insurance for young adults in Waterbury, with average monthly costs of $154.
The table below helps you compare the cheapest auto insurance prices for young adults in Waterbury.
| Provider | Average Monthly Cost | Average Annual Cost |
| USAA | $154 | $1,848 |
| Safeco | $230 | $2,760 |
| Electric | $158 | $1,896 |
| Utica National Ins Group | $160 | $1,920 |
| State Farm | $186 | $2,232 |
Cheapest Car Insurance In Waterbury For Good Drivers: State Farm
State Farm offers the cheapest car insurance for safe drivers in Waterbury, with monthly premiums near $67.
Good drivers can use the table below to compare average rates from the most affordable insurers.
| Provider | Average Monthly Cost | Average Annual Cost |
| State Farm | $67 | $804 |
| Travelers | $131 | $1,572 |
| USAA | $90 | $1,080 |
| Progressive | $124 | $1,488 |
| GEICO | $81 | $972 |
Find affordable Waterbury rates
Cheapest Car Insurance In Waterbury After A Speeding Ticket: State Farm
For drivers with a speeding ticket in Waterbury, State Farm offers some of the lowest rates, averaging $78 per month.
The table below shows typical rates for drivers with speeding tickets.
| Provider | Average Monthly Cost | Average Annual Cost |
| State Farm | $78 | $936 |
| Nationwide | $170 | $2,040 |
| Progressive | $148 | $1,776 |
| GEICO | $95 | $1,140 |
| Allstate | $180 | $2,160 |
Cheapest For Drivers With After At-Fault Accident: State Farm
State Farm provides the most affordable car insurance for those with an at-fault incident, with typical monthly premiums of $83.
Here’s a list of insurers with the cheapest rates for drivers with an at-fault accident on their record.
| Provider | Average Monthly Cost | Average Annual Cost |
| State Farm | $83 | $996 |
| Travelers | $164 | $1,968 |
| GEICO | $97 | $1,164 |
| Nationwide | $179 | $2,148 |
| Allstate | $187 | $2,244 |
Cheapest Rates In Waterbury For Drivers After A DUI: State Farm
For drivers who’ve had a DUI, State Farm provides the cheapest rates, with average monthly premiums of $102 in Waterbury.
Drivers in Waterbury who have a DUI can see the cheapest rates listed in the table below.
| Provider | Average Monthly Cost | Average Annual Cost |
| State Farm | $102 | $1,224 |
| Progressive | $188 | $2,256 |
| Allstate | $232 | $2,784 |
| Travelers | $201 | $2,412 |
| Nationwide | $218 | $2,616 |
Best Car Insurance Companies In Waterbury
Drivers in Waterbury can find budget-friendly insurance with State Farm at $67 monthly. GEICO and USAA offer slightly higher rates, at $81 and $90 a month.
The following shows the top 10 car insurers in Waterbury, CT, ranked by average monthly cost.
| Company | Monthly Premium |
| State Farm | $67 |
| Travelers | $131 |
| USAA | $90 |
| Progressive | $124 |
| GEICO | $81 |
| Direct Auto | $284 |
| Nationwide | $142 |
| CSAA | $130 |
| Root | $188 |
| Foremost | $307 |
Average Auto Insurance Rates In Waterbury – By Age
Car insurance rates often depend on age. Since younger drivers tend to be less experienced and more prone to accidents, their premiums are usually higher. Teens can expect to pay around $6,651 per year for insurance.
Drivers usually see their premiums drop after they reach 25, as long as they keep a clean record.
Insurance companies often give the most competitive rates to people aged 50 to early 60s, considering their driving experience and lower risk.
| Age | Average Yearly Rate |
| Teenagers | $6,651 |
| 20s | $3,490 |
| 30s | $2,607 |
| 40s | $2,296 |
| 50s | $1,972 |
| 60s | $2,170 |
| 70s | $2,469 |
How Much Is Car Insurance In Other Cities in Connecticut ?
Your car insurance costs are strongly affected by your location. Insurance companies look at risks like accidents and theft, which are usually more common in urban areas, causing rates to rise.
In Hartford, the average monthly car insurance cost is about $260, compared to $149 per month for Greenwich residents.
| City | Average Monthly Rate |
| Hartford | $260 |
| Norwalk | $182 |
| Greenwich | $149 |
| New Haven | $247 |
| East Hartford | $217 |
| New Britain | $205 |
| Meriden | $190 |
| Danbury | $188 |
| Manchester | $220 |
| Bridgeport | $250 |
Average Rates In Waterbury – By Vehicle
The vehicle you own has a big impact on your car insurance rates. Insurance companies consider the car’s make, model, year, and body style. Newer, high-end cars with advanced tech often come with higher premiums.
The table below shows typical car insurance costs in Waterbury based on different vehicle models.
| Vehicle | Average Monthly Rate |
| Infiniti Q40 | $670 |
| Toyota Corolla | $408 |
| Toyota Camry | $214 |
| Honda Cr-V | $450 |
| Chevrolet Malibu | $230 |
Average Cost Of Auto Insurance In Waterbury – By Zip Code
Your zip code helps insurers figure out the crime level in your area, which affects your car insurance rates.
Use the table below to compare typical insurance premiums across different Waterbury zip codes.
| City | Average Monthly Rate |
| 06704 | $246 |
| 06706 | $217 |
| 06705 | $232 |
| 06710 | $207 |
| 06708 | $156 |
Find affordable Waterbury rates
Our Methodology
I’ve created a thorough summary of Waterbury, CT's car insurance providers based on customer ratings, available products, pricing, and feedback from multiple online sources.
Quotes Analyzed
Brands Reviewed
Years Of Experience
Research Hours
FAQs
Who has the lowest car insurance rates in Waterbury?
In Waterbury, State Farm provides the most affordable minimum coverage, State Farm also leads in low rates for full coverage with comprehensive and collision.
What is the average cost of car insurance in Waterbury?
In Waterbury, the typical monthly car insurance premium is about $240, but it varies depending on where you live, the type of vehicle you drive, and your driving record.
